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The slice of every card payment that passes from the merchant's bank to the card issuer. It is why cards feel free to you, cost shops money, and can fund cashback at all.
The same fee under the same name. It is the economic engine of the entire card industry.
One code that every app can read, instead of a separate sticker per provider. It is the reason QR payments took over in Asia and stalled elsewhere.
Why any card works in any terminal. Cards solved this in the 1970s and QR schemes have been solving it country by country ever since.
What a card costs to get. Many crypto cards charge for the plastic, for the virtual card, or for a tier that unlocks either.
A card issuance or replacement charge on a bank account.
In Kite: Ours is zero. No issuance fee, no maintenance fee, no annual fee.
The company that mints a stablecoin, holds the reserves and honours redemptions. For USDC that is Circle, for USDT it is Tether. The token is only as good as the issuer standing behind it.
The bank whose name is on your deposit, or the e-money institution whose licence makes your app balance a legal claim rather than a favour.
Japan's currency, and a useful reminder that a dollar balance is not free to spend everywhere. Anything priced in yen has to be converted before it can be paid.
A foreign currency, in the only sense a card cares about: not the one your account is held in.
In Kite: Your balance sits in US dollars, so spending yen is a conversion, charged at a flat 1.8%.
Whose rules apply to your account. Usually decided by where you legally reside rather than where you happen to be standing, and it governs what a service may offer you, what checks you face, and what protection you have when something goes wrong.
The same word doing the same work. It is why one bank offers different products under the same brand in different countries.
In Kite: The Kite card is available to residents of Malaysia, the Philippines, Singapore, Thailand, Vietnam, Japan, South Korea, Taiwan and Australia.
Sourcing the money for a payment at the moment it is needed instead of parking it in advance. It frees the capital that would otherwise sit idle in every market you pay into.
The alternative to pre-funding an account in each country, which is how cross-border payments have been financed for decades.
A short readable name you can be paid to instead of a long wallet address. You share the handle, the sender types it, the money arrives.
A UPI ID, or a PayPal email. The account number still exists underneath, you simply never have to read it out.
In Kite: Share your handle rather than a 42-character address. Both work, but only one survives being read down a phone.
Proving who you are with an ID document and usually a selfie, before a regulated service will let you move money. It is a legal requirement, not a preference.
Opening a bank account. The same passport, the same proof of address, the same wait.
In Kite: You complete KYC once, then request your card in the app.
The base blockchain that settles everything, such as Ethereum. Maximum security, and the most expensive place to do anything small.
A central bank's real-time gross settlement system. Everything ultimately settles there, and you would not use it to split a taxi fare.
A faster, cheaper network built on top of a base chain, which batches transactions and posts them down for final settlement. Base and Polygon are where most everyday stablecoin movement happens.
An instant payment rail that nets throughout the day and settles to the central bank at the end of it.
Staking through a service that hands you a tradeable receipt token, so your capital stays usable while it is locked.
A fund unit you can sell on, representing bonds you cannot.
Your collateral being sold automatically because its value fell below the threshold. There is no phone call and no grace period, because there is nobody to make one.
A margin call that executes itself the instant it is breached.
How much you can trade without moving the price. Deep liquidity means the quote you see is the price you get, which matters far more than the headline fee.
Market depth. The reason a big FX order and a small one get different rates.
A shared pot of two tokens that traders trade against. The people who supplied it earn a cut of the fees, and carry the risk when prices diverge.
A market maker's inventory, funded by many small investors instead of one desk.
The money the person you are paying actually wants. A payment that ends in the seller's own currency needs no explanation from them and no conversion by them.
Choosing to be charged in the local currency at a card terminal, which is the cheaper answer nearly every time.
In Kite: You hold dollars, the merchant is paid in their currency, and neither of you has to think about the swap.
Price multiplied by circulating supply. A useful size comparison and a poor measure of how much money is actually in something.
Market capitalisation of a listed company, with the same limitation.
An extra reference some networks and exchanges require alongside the address. Leave it off where it is required and the funds land in the right building but not in the right room.
The reference field on a transfer to a pooled client account. The account number gets it to the bank, the reference gets it to you.
A four-digit code describing what a shop sells. It quietly decides which rewards apply, which purchases get blocked, and whether a payment counts as a cash advance rather than a purchase.
The same code doing the same quiet work behind every cashback offer and every declined gambling transaction.
The printed code taped to a counter that identifies the seller's account. Your app reads it, you approve an amount, and the money is pushed to them. No terminal, no card, no hardware for the merchant to buy.
A payment request rather than a card charge. You push money to them instead of them pulling it from you.
In Kite: Scan and Pay reads the local merchant code and pays straight from your balance. Nothing to load first.
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